Comprehensive Car Insurance

Key features of Comprehensive Car Insurance

• Maximum No Claim Discount/Rating Protection For Life
  If you've held your Maximum No Claim Discount / Rating 1 for 12 months with any insurer and haven't made an at-fault claim in the last 2 years, switch to GIO Comprehensive Car Insurance and we'll protect it for life. This means that while you are comprehensively insured with us your Maximum No Claim Discount/Rating will not be reduced.

• Lifetime Guarantee
  We guarantee the quality of the materials and workmanship in repairs we authorise for the life of your car, even if you are no longer the owner.

• Choice of Repairer
  We will offer you a choice of repairer following an accident or event.

• 2 Year New Vehicle Replacement
  If your car is a total loss within the first 2 years of registration and you are the first registered owner, we'll replace it with a new one of the same make, model and series.

• 7 Day Repair Guarantee (NSW & VIC Metro only)
  If you're able to safely drive your comprehensively insured motor vehicle into one of our assessment centres for repairs after your claim is approved, if we don't have you back on the road within a week we'll provide a courtesy car from the 8th day until your vehicle is repaired. Courtesy car will be a small category vehicle and a car hire bond may apply. Single approved claims only and excludes damage caused by hail or flood. Click here for full details.

• 24 Hour Claims Service
  We have a dedicated claims hotline providing a paperless claims service where you can talk to someone 24 hours a day, every day of the year.

• Choose to make one annual payment or to pay by the month
  At GIO we give you the choice of payment options. You can choose to pay one annual payment or monthly instalments.
  Learn more about Pay by the Month (fee applies).

• Learn more
  Find out about Third Party Property Damage Insurance and Fire, Theft and Third Party Property Damage Insurance
  Read the Motor Vehicle Insurance Product Disclosure Statement (PDS) before making any decision regarding this product. Insurance is issued by GIO General Limited ABN 22 002 861 583.

A GIO Comprehensive Motor Vehicle Insurance policy provides the following additional features and benefits.

• Emergency travel and accommodation
  We'll pay up to $500 for emergency travel and accommodation if the event was more than 100 km from your home and the car is un-roadworthy or unsafe to drive.

• Hire car after theft for up to 14 days
  We'll arrange and pay for a 'small' category hire car for up to 14 days if your car is stolen and either not found or is found but is not driveable. You are responsible for running costs and extras of the hire car including any deposit or upgrade.

• Emergency repairs
  We'll pay up to $500 if you need emergency repairs so you can get your car to your destination, a Recommended Repairer or another repairer after an event.

• No excess to pay if we agree you were not at fault
  You will pay no excess if you can provide the registration details, name and address of the driver at fault.

• Personal property covered up to $500
  We'll cover up to $150 per item to a total of $500 for your personal property damaged or stolen, as a result of your car being damaged in an event or stolen, and we pay your claim for that damage/theft.

• Replacement of locks and stolen keys
  If your car keys are stolen we will pay up to $1,000 to replace the keys and/or recoding your car's locks.

• Towing and storage costs after an event
  We'll pay for towing your car to our nearest Assessing Centre, a Recommended Repairer or another repairer agreed to by us if your car is un-roadworthy or unsafe to drive. We will also pay for storing your car after your claim is lodged until your claim is settled.

GIO offers a range of discounts and ways to help you save on your GIO comprehensive car insurance

• Save up to $50 when you combine it with a GIO CTP Green Slip
  You could save up to $50 on your next GIO comprehensive car insurance premium when you combine it with a GIO CTP Green Slip on the same car (NSW only). This is one of the ways GIO rewards drivers with a maximum NCD. Outside Sydney Metropolitan area a $30 discount applies.

• Get a 15% online discount
  Receive a 15% discount on your car insurance when you get a quote and buy your insurance online. To get a quote click here.

• No Claim Discount/Rating
  Save up to 60% on your GIO comprehensive car insurance as a reward for being a good driver without making claims that affect your No Claim Discount/Rating.

• Multi-policy discounts
  Receive a 5% discount off your premium if you hold 3 or more eligible insurance policies with GIO. Click here for details of eligible policies.

• Seniors Card discount
  GIO offers Seniors Card holders a discount of at least 5% off their comprehensive car insurance.

• Family discount
  If you are under 26 years of age and your parents have comprehensive car insurance with GIO on a maximum NCD and have made no at fault claims in the past 12 months, simply provide us with your parent's policy number and you could be eligible to receive a 60% (65% in VIC) discount off your own GIO comprehensive car insurance policy where you have not made an at fault claim in the past 5 years.

• Named driver option
  By restricting your cover to a maximum of 2 drivers over 30 years of age, you could earn a further discount off your premium, however, cover for accidental loss or damage to your car or to other people's property will be limited to these listed drivers.

• Increase your excess
  By increasing your excess within the range of excess amounts we offer, you can reduce your premium.

• Savings for hybrid cars
  If you own a hybrid car you could save 10% on your GIO comprehensive car insurance premium.

GIO also offers a range of optional covers with our comprehensive cover that may be available to you depending on your circumstances.

• No Claim Discount / Rating protection
  By choosing to have rating protection added to your policy, your No Claim Discount/Rating will not be affected even if you make an 'at fault' claim.

• Windscreen and window glass damage
  If the windscreen or window glass of your car is damaged, we'll pay for the repair or replacement and you won't have to pay the excess. Cover is limited to one claim in an insurance period.

• Hire car after an event
  If your car is damaged in an event or not found after being stolen, GIO will arrange and pay the costs for a small category hire car for up to 14 days. You can also choose to upgrade to a larger category car by paying the difference. You are responsible for all running costs and extras of the hire car including any deposit required.

• Named driver
  By restricting your cover to a maximum of 2 drivers over 30 years of age, you could earn a further discount off your premium, however, cover for accidental loss or damage to your car or to other people's property will be limited to these listed drivers.